ReconcileIQ reconciles bank to books. CodeIQ does the bookkeeping. LedgerIQ turns the closed month into CFO-grade analysis. Pick any one. They cost the same together.
Bank statement against the books. CSV, Excel, or PDF in. Every match, every exception, exported in minutes.
An AI bookkeeper that codes transactions, extracts invoices via OCR, parses merchant CSVs, classifies tax, and posts to your platform. Works on up to 10 clients in parallel.
Upload a GL export from any platform. Get 40+ analysis modules, ratio trends, anomaly detection, and a board-ready PDF — all client-side, in seconds.
A feature-by-feature matrix across the three products. Use it to decide which fits the job in front of you. The honest version: most teams use all three — the suite is bundled, so you only pay once.
| Capability | ReconcileIQ | CodeIQ | LedgerIQ |
|---|---|---|---|
| Inputs & ingestion | |||
| CSV / Excel upload | ● | ● | ● |
| PDF bank statement → CSV converter | ● | ● | — |
| OFX / QBO formats | ● | ● | — |
| Direct platform sync (OAuth) | ● 6 platforms | ● 4 platforms | ● any platform GL |
| Invoice / receipt OCR | — | ● Gemini Vision | — |
| Merchant CSV (eBay / Amazon / PayPal) | parser tab | ● full pipeline | — |
| Core workflows | |||
| Bank vs books reconciliation | ● primary | via posting | — |
| Invoice ↔ payment matching | ● separate mode | ● phase 2 of pipeline | — |
| Transfer detection (inter-account) | manual | ● automatic | — |
| Account / nominal coding | — | ● 8-phase AI | — |
| VAT & sales-tax classification | — | ● per-platform codes | analysis only |
| Auto-posting back to platform | push fixes | ● full posting | — |
| Multi-client concurrency | ● | ● up to 10 sessions | ● |
| Intelligence layer | |||
| Fuzzy / semantic matching | ● match engine | ● BGE-base 768d embeddings | ● account enrichment |
| Universal pattern database | — | ● crowd-sourced | consumes patterns |
| Personal pattern learning | — | ● per-user | — |
| RiQ AI copilot | guidance | ● review + actions | ● commands + reports |
| Anomaly / outlier detection | ● unmatched analysis | ● low-confidence flags | ● dedicated module |
| Analysis & reporting | |||
| Trial balance, P&L, balance sheet | — | — | ● |
| Ratios (liquidity, leverage, return) | — | — | ● 40+ modules total |
| DuPont, break-even, forecasting | — | — | ● |
| PDF reports / board packs | ● recon summary | ● coding report | ● branded board pack |
| Excel / CSV exports | ● | ● | ● |
| Performance & deployment | |||
| High-volume engine | ● C++ matcher | ● background jobs + SSE | ● client-side processing |
| Multi-state nexus / 1099 / Schedule C | ● | ● | ● |
| UK MTD / VAT / HMRC awareness | ● | ● | ● |
| AES-256 in transit + at rest | ● | ● | ● client-side, never leaves browser |
Free to start, with credits that recharge each month. The full suite is bundled into every plan — no upsells.